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For her 2-year-old son, no more McDonald's. For her husband, no more premium gasoline for his prized BMW. The family cooks more meals at home.

"No more Starbucks kind of stuff," Guerrero, 29, said as she filled up a Honda Odyssey for $3.47 a gallon at a Shell station on Dale Mabry Highway in Tampa.

For now, it's not so bad. But like many other drivers, Guerrero and her husband are bracing for the $4 mark. That's when the bigger changes will come, like rethinking that trip to Disney World.

That $4-a-gallon milestone may not be far off for Floridians. National gas prices have risen 33 cents in 12 days, the biggest rise since a post-Hurricane Katrina hike in 2005. Some parts of the country already have pushed past $4, while Tampa Bay area prices are about $3.50 a gallon.

Experts already were predicting gas would hit $4 this summer, and that was before fighting broke out in Libya. The ongoing Middle East crisis has caused speculators to brace for a decrease in crude oil supply, even though the United States only gets about 3 percent of Libya's oil exports.

Now it's looking like Tampa Bay area drivers could see $4 in a matter of weeks, or even days, said AAA South spokeswoman Jessica Brady.

"Even though there's not been any reported significant disruption in oil supply, it's still that concern and fear of 'what if,' " Brady said. "How long that will go on and how the prices will go is really unknown."

The last time Floridians felt the pain of $4 at the pump was late July 2008. From there, it began dropping until it dipped below $2 in March 2009.

Although gas is already more than $4 in California and other areas of the country, Florida has seen one of the most rapid rises in recent weeks.

According to FloridaGasPrices.com, gas is up about 43 cents in the last month and 75 cents in the last year.